For businesses with 10 or more W-2 workers
More take-home pay for your team. Less payroll tax for you.
Your team pays for great benefits with money they were already losing to taxes. Book a call and we show you your numbers.
Book My CallNo fees for the business.
How it works
- 1
The plan comes out before taxes
It runs through a Section 125 plan, the same part of the tax code that lets workers pay for health insurance before taxes.
- 2
Less taxable pay means less tax
Your team pays less income tax and FICA. Your business pays less FICA too.
- 3
The tax saved pays for the benefits
What is left over shows up as more take-home pay.
What you get
Less payroll tax
About $1,186 a year for each worker on the plan, in our example.
More take-home pay for your team
In our example, a worker making $45,000 a year gets $74.43 more take-home pay each month.
Care at $0
Unlimited video doctor visits, primary and urgent care. Unlimited video counseling. One full lab test each year. In-person preventive care: physicals, screenings, exams and shots. Covered prescriptions at 65,000+ pharmacies.
One more benefit
Each worker picks dental or vision.
This is not major medical. It does not cover hospital stays or diagnostic care. That is why it adds to your health plan instead of replacing it.
Does it fit my business?
- 10 or more W-2 workers. Almost any kind of business, except restaurants where tips are most of the pay.
- Full-time workers earning $26,000 or more a year. A part-time version fits workers who earn less.
- C-corp owners can join. Sole owners, partners and S-corp owners with more than 2% cannot (Section 125 rules).
- Before go-live we run a test payroll. Anyone whose take-home would go down is left out.
Sign and hold a short kickoff call by the 1st. Your team gets 30 days of education. The plan goes live on the 1st of the next month.
Book your call
Step one is just your name and email.
Questions owners ask
What does it cost the business?
There are no fees for the business.
Do we have to change our health plan?
No. It sits on top of the plan you have.
Is this major medical?
No. It covers video doctor visits, counseling, preventive checkups and covered drugs. It does not cover hospital stays.
Will any worker's paycheck go down?
No. We run a test payroll first, and anyone who would take home less is left out.
How much work is it for us?
Very little. We work with your payroll company to set it up.
Is it compliant?
Yes. It is built on IRS code sections 125, 105(b) and 213(d), runs as an ERISA welfare plan with written plan documents, and meets the ACA rules that apply. Your CPA can review the full legal opinion under an NDA.
What if it doesn't fit us?
We have another option, ProfitGuard Plus, for teams this plan does not fit.
Illustration only. Not tax or legal advice. Talk to your CPA or benefits attorney about your business. This plan is not major medical coverage and does not cover hospital stays or diagnostic care. Illustration only. Assumes $45,000 a year paid monthly, 12% federal, 5.75% state (Virginia), 6.2% Social Security and 1.45% Medicare. Plan cost is pre-tax; the voluntary benefit is after-tax. Your numbers depend on your team.